"Non Owner" or "Non Owned Automobile Insurance" is often thought of as liability insurance for those that do not own a car. I feel an obligation to warn all those that call asking for this type of coverage that not all cars you drive but do not own are covered.
Insurance companies make a distinction for any car that you are a "Regular and or Customary driver". Non-Owners insurance covers a dri...

Looking for Insurance for Medicar Plates?
If you operate a Nonemergency Transportation company (Medicar), then you know that your MC plates come due on June 30th. You also know that the police will be out looking for any Medicar driving on expired plates. The limits of liability required are set at $250,000/$250,000/$50,000 in the state of Illinois. Without an Accord certificate of insurance pr...

Looking for Tow Truck Insurance, Turn to Urban Insurance.
Our expert staff has been a dependable source for Towing Insurance for over 54 years. We understand the requirements that the Secretary of State has placed on Flatbeds and Tow-Trucks prior to granting them the “TW” plates needed to operate a towing company. Whether your company specializes in towing, auto transport, salvage, or if you do w...

SR22 Insurance Information for Illinois
A lot of confusion and misinformation seems to surround the SR22 requirements in Illinois. In this article, I will break it down and explain the points that often cause the most questions.
Simply put, an SR-22 is a form (provided by your car insurance company) that verifies you have met Illinois's state requirement for auto liability insurance.
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If you ask Uber they will tell you, No they are sub-contractors, but if you ask The California Labor Commission they will say they A driver for Uber is an employee. In a ruling on June 3 ruling the the California Labor Commission concluded that drivers for Uber are employees, and not contractors, and Uber is subject to withholding Social Security, providing workers’ compensation as well as unemplo...

Google has been heavily promoting their experimental autonomous autos as the near-future’s answer to safer roads. With 11 self-driving car accidents, some people are asking the question, are these cars safe enough for public use?
First let’s look at the basic data behind these accidents.
California has 48 “self-driving cars,” in the past six months 4 of them have been in an auto accident; as a...

Question: "What is actual Cash Value?"
What is the actual cash value of my car? We have all heard that as soon as you drive the car off the showroom floor, the value of the car drops, this change in value is called depreciation. The basic logic stems from the fact that people are willing to pay less for a “Used Car” or truck than they would for a band-new vehicle.
An insurance company realize...

Today you can't turn on the TV, surf the web or go to a ballgame without being hit with promises to save you money. When searching to compare Insurance quotes, whether for car insurance, SR22 insurance, or Uber commercial insurance; the idea is to pay the least, without giving up any of the protection you need.
I understand that our customers have no shortage of companies fighting for their busin...

Uber Insurance Requirements, Are Drivers led To Buy Insurance That Leaves Them Uncovered?
Allstate, State Farm, Progressive, and Geico agree, their policies do not cover Uber drivers or ridesharing activities of any kind. As Urban Insurance has written in prior posts, "Private passenger policies" do not provide coverage for vehicles used commercially, and make no mistake- Driving passengers for m...